Camille T. Stubbs
Crown Point,IN
Summary
Motivated mortgage executive with 10+ years of experience and exceptional leadership skills. Proven adaptability, strong work ethic, and outstanding interpersonal skills. Committed to embracing new challenges and expanding knowledge.
Overview
12
12
years of professional experience
Work History
Sales & Design Consultant
Penny Mustard Furnishings
Merrillville, IN
03.2023 - Current
- Work with a variety of clients through commission-based sales in a highly competitive industry. Lead generation, consistently prospect for new clients, not limited to showroom traffic, with dependence on external factors such as the economy and industry changes.
- Increase company profits on discovery by analyzing customers' needs and offering viable design solutions to provide curated residential and commercial spaces.
- Plays a crucial role in building lasting client relationships while exceeding sales quotas. Creates sales presentations, manages and designs projects based on-site consultations, collaborates with the design team to identify client needs and develop concepts, and liaises with clients and/or third parties (Interior Designers, general contractors) for sensible budget strategies.
- Conducts client in-home consultations to explore project scope, budget, and timeline expectations. Develop and present customized interior design concepts to clients based on their individual style preferences, with detailed drawings of proposed designs using company AutoCAD software.
Mortgage Underwriter II - Remote
Paramount Residential Mortgage Group - PRMG
1265 Corona Point, CA
08.2020 - 08.2022
- Evaluated loan documents for completeness determining approved/suspend/denied status. Collaborated all decisions or additional paperwork with loan originators, processors, & brokers to assess loan decisions and restructures when necessary. Underwrites appraisals and collateral desktop analysis that validate property valuations to meet insurer and guarantor guidelines.
- Analyzed tax returns and financial statements to determine ongoing cash flow to support loan repayment. Analyzed loan risk to mitigate loss to investors and reviewed loan conditions and requirements.
- Evaluated loans against portfolio and investor guidelines.
- Assessed documentation or any erroneous discrepancies to identify signs of fraudulent activity per AML regulations requiring SAR filing.
- Utilized financial statements to calculate debt-to-income ratios to determine eligibility for loan.
- Developed relationships with broker and real estate community by providing frequent updates on loan status.
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial.
Senior Mortgage Underwriter - Remote
Fay Mortgage Services
Chicago, IL
03.2016 - 08.2020
- Responds to various investors including government agencies on repurchase demands, waterfall execution reviews and other audit findings. Analyzed tax returns and verified financial statements to determine credit worthiness, DTI, and cash flow to support loan eligibility. Developed loan contracts with debt payment plans based on credit, income calculations, and assets and explained terms to Account Executives. Maintain CFPB compliant with company and regulatory guidelines: TILA/RESPA.
- Analyzed capacity, credit, cash and collateral to determine loan approval, counteroffer or denial. Appraisal review supporting LTV.
- Developed financial analysis reports and presentations by applying acquired financial principles for loss mitigation work out solutions.
- Maintained pipeline status by collaborating closely with partners.
- Identified valuable solutions for customers with credit problems. Critiqued files for compensating factors to offset risks.
- Underwrites file manually or AUS/LP to ensure conformity of loans to investor and portfolio programs.
Forensic Analyst - Contract (remote)
Slate Professional Resources
Freehold, NJ
01.2015 - 02.2016
- Analyzed closed loans instruments to identify red flags and discrepancies in collateral review, income calculations. Responds to investors with complex audit findings by specified deadlines with resolutions and deficiencies
- Analyzed loans with repurchase demands for breaches of representations and warranties on residential agency/non agency, MI cancellations, & MI claim denials to formulate originators position. Relates concise and persuasive responses on each evaluation and communicates to risk management.
MI - Mortgage Underwriter
Essent Guaranty
Radnor, PA
01.2013 - 01.2015
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility. Analyzed loan risk and reviewed loan conditions and requirements.
Education
Business Administration
Indiana University South Bend
South Bend, INSkills
- Non QM/Constructive/Jumbo
- Conventional / Wholesale / Retail
- Quality Assurance
- Loss Mitigation / Loan Modifications
- Verbal and Written Communication
- Problem-Solving & Critical Thinking
- Service Oriented
- Banking Regulations Fannie/Freddie/FHA
- Judgmental Lending & Detail Oriented
- Credit Analysis
- Financial Statement Review
- Team Leadership
- Complex Problem Solving
- SLA: Meets and exceeds production goals
- Lead Generation
- Sales Presentations
- Client Needs Assessment
- Performance Management
- Goal-Driven
- Self Motivation
- Meeting Sales Goals
- Excellent Written and Verbal Communication
- Customer Retention
- Product Knowledge
Timeline
Sales & Design Consultant
Penny Mustard Furnishings
03.2023 - Current
Mortgage Underwriter II - Remote
Paramount Residential Mortgage Group - PRMG
08.2020 - 08.2022
Senior Mortgage Underwriter - Remote
Fay Mortgage Services
03.2016 - 08.2020
Forensic Analyst - Contract (remote)
Slate Professional Resources
01.2015 - 02.2016
MI - Mortgage Underwriter
Essent Guaranty
01.2013 - 01.2015
Business Administration
Indiana University South Bend
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